| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.1% | +1.1 pts |
| Share growth (YoY) | +3.6% | +3.5% | +0.1 pts |
| Loan growth (YoY) | +4.5% | +2.9% | +1.6 pts |
| ROA | 2.38% | 0.74% | +1.6 pts |
| ROE | 13.4% | 6.5% | +6.9 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $465.1M | $383.0M | $273.6M | $82.6M | $5.5M | 2.38% | 3.80% | 0.04% | 19,835 |
| Q1 2026 | $459.2M | $379.6M | $267.6M | $79.8M | $2.7M | 2.36% | 3.77% | 0.06% | 19,642 |
| Q4 2025 | $449.7M | $371.7M | $267.0M | $77.0M | $10.6M | 2.35% | 3.69% | 0.14% | 19,468 |
| Q3 2025 | $446.3M | $370.8M | $263.6M | $74.4M | $7.9M | 2.36% | 3.64% | 0.13% | 19,279 |
| Q2 2025 | $441.9M | $369.6M | $261.8M | $71.7M | $5.2M | 2.35% | 3.60% | 0.08% | 19,140 |
| Q1 2025 | $435.0M | $366.1M | $252.6M | $68.9M | $2.3M | 2.14% | 3.48% | 0.02% | 18,820 |
| Q4 2024 | $422.5M | $357.4M | $246.7M | $66.5M | $8.5M | 2.01% | 3.29% | 0.06% | 18,582 |
| Q3 2024 | $424.1M | $360.1M | $240.8M | $64.1M | $6.1M | 1.92% | 3.20% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.38% | 0.74% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 6.5% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.03% |
| 18,436 |
| Q2 2024 | $425.0M | $364.6M | $236.5M | $61.9M | $3.9M | 1.82% | 3.08% | 0.04% | 18,245 |
Loan mix (Q2 2026): real estate $128.8M · commercial $13.0M · consumer $111.3M · securities $121.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.9% | 77.5% | 2nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Douglas, OR, ranked 2nd with 3.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Douglas, OR | 3 | $383.0M* | 3.60% | 2nd |
Oregon: 41st with 0.26% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3